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Showing posts with label home buyer grants. Show all posts
Showing posts with label home buyer grants. Show all posts

July 13, 2022

Foreclosure and Mortgage Assistance Programs For You

July 13, 2022 0
Foreclosure and Mortgage Assistance For You-get your foreclosure and mortgage assistance programs and pay off your dues to live securely with your family.

Paying off mortgages and foreclosure can be really intimidating and with meager savings or income it can even lead to evictions or homelessness. To offer assistance to families at poverty level grants and benefit programs have been initiated by the government, state or local agencies, nonprofit organizations and banks that can help settle down payments, foreclosures and mortgage issues. Families may also seek legal help.

Read thoroughly for all available programs and live securely with your family.



Mortgage Assistance Programs to Apply for

Government Assistance
States, counties and local governments offer assistance to low income earners for their mortgage and foreclosure. The US government has initiated loan modification services, refinancing programs, foreclosure prevention programs and mortgage assistance programs that help disadvantaged people from getting homeless.

Mortgage Assistance Programs

These programs, administered by the U.S. Treasury Department and HUD, are Second Lien Modification Program (2MP), Home Affordable Modification Program (HAMP), Home Affordable Refinance Program (HARP) and Principal Reduction Alternative (PRA).

There are even assistance programs for unemployed homeowners such as Home Affordable Unemployment Program (UP), FHA Special Forbearance and Emergency Homeowners’ Loan Program.

Federal Organization

There are government owned organizations that offer help with foreclosure and mortgage. Fannie Mae and Freddie Mac have initiated programs and services like Borrowers Help Centers, Borrower Help Network and Streamlined Modification Initiative that help homeowners with their mortgage payment. 

Further assistance programs like Making Home Affordable Program, Hope for Homeowners by the Federal Housing Authority, Military Homeowners Assistance Program and Neighborhood Stabilization Program also can help.

Non-profit Housing Counseling Agencies

The nonprofits or the HUD approved housing counseling agencies assist in paying off the monthly mortgage and prevent foreclosures. The services rendered are mostly free of cost. There are special programs for renters, tenants and homeowners.

While for renters and tenants the programs emphasize more on eviction, for homeowners the programs mostly pertain to foreclosure for assistance with home loan modifications or credit repayment. Nonprofit housing agencies like the Housing Counseling Agency, NeighborWorks America, Neighborhood Assistance Corporation of America, Union Plus and Save the Dream Tour also offer assistance.

Catholic Charities

Many foreclosure counseling programs and homebuyer assistance are also offered by catholic charities. The services are provided free of cost all across the nation through their centers. Even community action agencies offer cash grants to avoid foreclosure or homelessness.

Mortgage forbearance programs are also offered by banks that include Citibank, bank of America, JP Morgan and Wells Fargo. Loans are also available at low interest rates to clear any housing dues.


Updated List Of Home Repair Grants For Low Income Families

Federal Legal Assistance

Federal grants are also given to law offices and attorneys to offer legal assistance to homeowners for foreclosure. The legal officers probe into the matter and offer help to support such homeowners to avoid homelessness.

If you are also facing issues with foreclosure or mortgage problems then start applying for the federal grants or seek help from nonprofits to save your roof. Apply with your state, local or county offices for support.


For full information, Visit - https://www.homegrantsinfo.com/
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June 22, 2020

First Time Home Buyer Grants and Loans For Disabled Individuals

June 22, 2020 0

Looking for housing, paying the mortgage, maintenance and bill payment can be a daunting task for low income earners especially with disability problem. The U.S. government, state agencies and nonprofit organizations offer financial assistance, guidance, counseling and other necessary support to the disables through varied grants and loan programs for the purchase of home, paying home debts, mortgages, acquiring equipment, home repairs and improvement and other such dwelling necessities.

With these grants a descent living even with limited economy seems to be affordable now.

First Time Home Buyer Grants For Disabled

First Time Home Buyer Grants for the Disabled

Department of Housing and Urban Development

There are many grant funded programs offered through the Department of Housing and Urban Development (HUD) for helping individuals with disabilities. They provide help in house purchase, renting a home and also assistance in obtaining housing vouchers. The federal housing program provides financial help to moderate or low-income families in renting or purchase of a house. The main goal of this program is to make renting and purchase affordable for people with limited economy. The section 8 in the program proposes subsidies for both home owners and tenants. The Homeownership Voucher program helps the low-income disabled by providing vouchers for reducing the monthly mortgage payment or house rent.




The program can be availed by contacting the local public housing authority (PHA) and in case the PHA's do not offer ownership as an option, housing counselors can be contacted in the respective state. They are appointed by HUD and are certified to assist individuals with housing needs.

Habitat for Humanity

Habitat for Humanity is an option for disabled or low-income individuals in getting aid with down payments or mortgage payments. They can also provide other assistance such as zero-step entries, wide doorways and other needs. 

This is a global Christian non-profit organization that specializes in building accessible homes, through the mortgages being given through local, private, state and federal sources, volunteer work and donations. If selected by the Habitat for Humanity’s family selection committee, then the organization will build the home.

The Habitat for Humanity has already built more than 450,000 houses all around the world, helping more than 1 million people spread across 3,000 communities to achieve a decent and affordable shelter. If you are also in need of a residence, apply for first time home buyer grants today, as after the initial application an average of 18 months is required for the Habitat for Humanity owners for attaining occupancy.

Home Ownership Voucher Program

Low level or moderate income disable families can now buy their shelter through the Home Ownership Voucher Program which is linked with the Department of Housing and Urban Development. Though not free of charge, this program enables in fulfilling monthly mortgage payments for the first time home buyers. The eligibility criteria for the program are:
  • Applicants need to owe a home for the first time
  • No family member should have had home ownership interest in the previous three years excepting displaced homemakers or single parent
  • At least one member of the family must be disabled
  • The annual income of the adult family members’ owning the home should not be less than a single residing individual’s monthly Federal Supplemental Security Income benefit multiplied by 12
  • The family also needs to fulfill the housing counseling program and pre-assistance homeownership of PHA

Fannie Mae Home Choice Program

Fannie Mae Community Home Choice program offers financial products and services across all states for the lower and middle income families. It helps low income or disabled individuals to buy a home by offering aids like smaller down payments, lenient credit evaluations and also provide them with mortgage-qualification aid which has lower debt-to-income requirement.


The U.S. government has more to offer. The Fair Housing Act, Supplemental Security Income, Fair Housing Act, Americans with Disabilities Act and several other organizations also offer housing disability grants for a well secured, reasonable and humble dwelling.

For full information, visit- https://www.homegrantsinfo.com/
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